Can you get denied life insurance for high cholesterol? (2024)

Can you get denied life insurance for high cholesterol?

If your cholesterol is particularly high, not well controlled with medication or if you have other health issues, you might even be denied coverage.

Does high cholesterol disqualify you from life insurance?

You don't have to provide any medical information and acceptance is guaranteed. It's unlikely that you'll be declined life insurance due to having high cholesterol, however if you have other medical conditions, smoke or are overweight (when combined with high cholesterol) then this could affect your eligibility.

What are 3 reasons you may be denied from having life insurance?

They can include engaging in risky hobbies and behaviors like skydiving; having a history of DUIs or speeding tickets; having a dangerous job like roofing; having a criminal record or a less than ideal financial history; being a smoker; and failing a drug test.

What is considered high cholesterol for insurance?

Can you get health insurance if you have high cholesterol?

While you may not be denied coverage due to having high cholesterol, you could be subject to higher premiums. This is because high cholesterol is a risk indicator for heart disease, heart attack or stroke. Therefore, insurance companies can see you as more of a risk to insure and may charge you higher rates.

How many years does it take for high cholesterol to cause damage?

The longer you have high cholesterol, the more likely you are to develop heart disease. In one study, people who had high levels for 11 years or more had double the risk than those who had them for 10 years or less. Most people with high cholesterol don't have any warning signs.

What disqualifies me for life insurance?

Due to the added risk health problems create for insurers, some pre-existing conditions can raise your premium or even disqualify you entirely from certain types of life insurance. A few common examples of pre-existing conditions include high blood pressure, diabetes, cancer, and asthma.

How do I get life insurance if I keep getting denied?

If you face a denied life insurance application, request a detailed explanation from the insurer. Then, address any reversible issues and consider submitting a life insurance denial appeal letter. Exploring different insurers or specific policies designed for high-risk individuals may also be beneficial.

How often is life insurance denied?

Insurance companies deny claims less than 1% of the time according to the American Council of Life Insurers.

What not to say when applying for life insurance?

For example, applicants might lie about their age, income, weight, medical conditions, family medical history or occupation. It's also relatively common for applicants to lie about their alcohol or drug use.

Why is my cholesterol so high but I'm healthy?

Anyone can have high cholesterol, even if you are young, slim, eat well and exercise. That's because high cholesterol can be caused by different things, including your genes. High cholesterol is very common, but most people don't know they have it because it doesn't usually have any symptoms.

What is dangerously high cholesterol?

If total cholesterol levels are 240 mg/dl or above, a doctor will consider this very high, while 200–239 mg/dl is borderline high. Very high levels of LDL are 190 mg/dl and above. HDL cholesterol levels of 40 mg/dl or less are very low and a major risk factor for heart disease.

What if your cholesterol is over 300?

An ideal total cholesterol level ranges from 140 to 200mg/dl. When it reaches 300, the risk of having a heart attack more than doubles.

Does taking statins affect life insurance?

Cholesterol Medication is a Non-Factor if it's Working

Lower cholesterol means a lower risk of heart attack or stroke, which means you are a lower overall risk to the insurance company, which means the insurance company can offer you a better rate on life insurance.

Is high cholesterol a disability?

If your high cholesterol has caused you to suffer other serious medical conditions, and you're unable to sustain gainful employment, you may be eligible for disability benefits from the Social Security Administration (SSA). However, the SSA won't approve your disability claim simply because you have high cholesterol.

Can you get life insurance with high triglycerides?

If you're over 65, high triglyceride levels are more common, so they matter less for life insurance underwriting. In fact, if you're 66-75, ratings for lipids are reduced at least one health class. If you are over age 75, lipid ratings are not a concern when considering coverage.

Do people with high cholesterol live the longest?

Older people with higher cholesterol live longer

Overall, an inverse trend is found [in Japan] between all-cause mortality and total (or low density lipoprotein [LDL]) cholesterol levels: mortality is highest in the lowest cholesterol group without exception.

How long does high cholesterol take to block arteries?

Cholesterol plaques can be the cause of heart disease. Plaques begin in artery walls and grow for years, slowly blocking blood flow in the arteries.

Can you be denied life insurance for pre-existing conditions?

Many life insurance policies require a medical exam, which includes checking your vital signs and going over your medical history. If the exam determines you have a pre-existing condition, it can make your premiums higher (if you're approved for a policy) or prevent you from getting a policy altogether.

What pre-existing conditions are not covered?

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

Do people get denied life insurance?

Life insurance is a critical financial tool that helps you protect your family. We understand how important coverage is to you. Some people get denied coverage the first time they apply but don't give up hope. Explore other life insurance options or consider making changes in your life.

Why would an insurance company deny a life insurance claim?

Life insurance claims may be denied for policy delinquency, material misrepresentation, contestable circ*mstances or documentation failure. Misrepresentations may include lying about medical history, occupation and hobbies.

Does medication affect life insurance?

You may be wondering if your prescription history can affect your eligibility for life insurance coverage. Life insurance companies won't usually deny you coverage based on your prescription history, but you may be given higher rates.

Does weight affect life insurance?

Life insurance companies may charge higher rates for overweight people because providers see a person's weight and body mass index (BMI) as indicators of pre-existing conditions or future health issues.

Which cases is likely to be declined by a life insurer?